Call reports 2004
MANCOS VALLEY BANK — 2004
What MANCOS VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,129,000 | 39,165,000 | 39,726,000 | 39,500,000 |
| Total loans | 21,515,000 | 21,513,000 | 26,371,000 | 26,010,000 |
| Allowance for loan losses | 492,000 | 509,000 | 526,000 | 528,000 |
| Securities available for sale | 10,498,000 | 10,167,000 | 9,884,000 | 9,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,972,000 | 36,368,000 | 36,704,000 | 36,455,000 |
| Interest-bearing deposits | 32,102,000 | 31,488,000 | 31,466,000 | 31,150,000 |
| Noninterest-bearing deposits | 4,870,000 | 4,880,000 | 5,238,000 | 5,305,000 |
| Equity capital | 3,020,000 | 2,639,000 | 2,838,000 | 2,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 456,000 | 882,000 | 1,381,000 | 1,900,000 |
| Interest expense | 138,000 | 274,000 | 415,000 | 564,000 |
| Net interest income | 318,000 | 608,000 | 966,000 | 1,336,000 |
| Noninterest income | 22,000 | 44,000 | 69,000 | 87,000 |
| Noninterest expense | 272,000 | 507,000 | 748,000 | 993,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 48,000 |
| Pretax income | 201,000 | 263,000 | 390,000 | 530,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | 201,000 | 264,000 | 391,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,762,000 | 2,645,000 | 2,665,000 | 2,703,000 |
| Total capital | 3,030,000 | 2,919,000 | 2,987,000 | 3,021,000 |
| Risk-weighted assets | 21,188,000 | 21,703,000 | 25,588,000 | 25,204,000 |